To start, please know that QuickBooks Online relies on what your bank sends us, Richard.
With that, we suggest visiting your bank's website for any ongoing maintenance, as this may impact downloading your bank transactions.
If your bank reports no issues, we suggest contacting our phone support team for further assistance, given that you have already performed troubleshooting.
They have the tools and expertise to investigate the issue further and provide a solution.
To contact our phone support, please follow these steps:
Go to the Help icon.
Choose the Search tab.
Click the Contact Us button and enter your concern.